• Lazada Sales 9.9 - 9 September 2022

How to Analyse and Invest in Public Mutual Funds by Public Bank

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Selecting a mutual fund may seem like a daunting task, but doing a little research and understanding your objectives makes it easier. Identify your risk tolerance, evaluate the fund manager’s past results, the fund’s performance, history, fees, type, portfolio, turnover ratio, etc.


Channels to invest in Public Mutual. Each channel/ fund may have different fee structure :

1. Online via Public Mutual Online (www.publicmutualonline.com.my)
2. Online via KWSP i-Invest (using your KWSP savings)
3. Contact their servicing unit trust consultant
4. Go to the nearest Public Bank branch

There are fees and charges involved such as Sales, Redemption, Switching, Transfer Fee, Annual Management Fee, Trustee Fee. Investors are advised to find out about and consider them before investing in the Fund.


Click here for Announcement/ News about Public Mutual such as fund launching, distribution updates and notices.

Understanding Distribution 
A unit trust fund distributes income to its investors in line with its declared distribution policy. Generally, fixed income/bond funds pay distributions to their investors on a regular basis, while distributions declared by equity funds may vary with market conditions.


Analyses and Tools

There are various tools, websites that you can use to do a bit of analyses before making a purchase:

*As of May 2021 (The data shown below serves as examples and may not reflect the current values)

Public Mutual Top Performing Funds

(Click this link for more updated info) Top Performing Equity Funds with Annualised Return of 6.5% And Above over 10-Year Period (on publicmutual.com.my)
 
 
Fund NameShariah
Based
Nature
of Funds
10-Year
Return (%)
10-Year
Annualised
Return (%)
Fund Volatility
Class (FVC)
3-Year Fund
Volatility Factor (FVF)#
PUBLIC GLOBAL SELECT FUNDForeign178.1010.76HIGH14.3
PUBLIC ISLAMIC OPPORTUNITIES FUNDDomestic173.2510.56VERY HIGH27.0
PUBLIC ISLAMIC ASIA DIVIDEND FUNDForeign155.909.84MODERATE14.6
PB ISLAMIC ASIA STRATEGIC SECTOR FUNDForeign153.869.75HIGH15.9
PUBLIC ASIA ITTIKAL FUNDForeign150.719.62HIGH14.6
PUBLIC ISLAMIC ASIA LEADERS EQUITY FUNDForeign149.589.57HIGH16.9
PB CHINA PACIFIC EQUITY FUNDForeign147.699.48HIGH17.3
PUBLIC CHINA ITTIKAL FUNDForeign117.668.08HIGH17.2
PB ISLAMIC ASIA EQUITY FUNDForeign117.278.06MODERATE14.2
PUBLIC FAR-EAST ALPHA-30 FUNDForeign111.517.77HIGH15.0
PUBLIC CHINA SELECT FUNDForeign111.287.76HIGH17.1
PUBLIC ISLAMIC SELECT TREASURES FUNDDomestic105.367.45VERY HIGH20.3
PUBLIC CHINA TITANS FUNDForeign101.607.25HIGH14.3
PUBLIC SMALLCAP FUNDDomestic100.897.22HIGH14.8



Performance

You can take a closer look at the data of for example the Public Global Select Fund on Morningstar  morningstar.com, the performance of this fund through the years:

public global select performance

The (cumulative) Total Returns % are calculated using NAV-to-NAV prices, with any income distribution reinvested.


Securities Portfolio

The Portfolio of this fund; Asset Allocation, breakdown of the equity holdings invested, as well as by Sector; Technology, Communication Services, Financial Services, Industrials, etc. on morningstar.com.

public global select



Funds Comparison

On kwsp.gov.my, login to your i-Akaun, and click on “Investment” from the top menu.

Select “Fund Tool” -> Funds Selector -> FMI: Public Mutual Bhd and select your preference -> hit “Generate Table”

You can choose the Table/ Chart: Annualised, Cumulative Performance, Calender Year Performance, Fund Info, Chart Centre.
Sort by performance (descending/ ascending), Fund Volatility and Consistent Return Rating.

More on KWSP i-invest.

public mutual funds kwsp


Sources

morningstar.com

investopedia.com

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